4.40 Visa_ResponseInfo_DE44

The Visa_ResponseInfo_DE44 field contains a summary of verifications performed by the Visa system on the transaction, before it reached Thredd. It is a useful source of additional information for Visa authorisation-related transactions.

The values supplied in this field are subject to change by Visa. We advise you not to configure your systems to make decisions based on this field.

Only some of the values below apply to the Thredd to Visa connection.

4.40.1 Visa_ResponseInfo_DE44 Positions

Each position holds the result of a verification check at Visa. The Visa system may vary on which checks it performs on which transactions.

The position is the character offset in the field; the first character is position 1. A space character in any position indicates the information is not provided.

In the table below, Issuer indicates Thredd, STIP indicates the Visa Stand-In Processing The card network (Visa and Mastercard) may perform approve or decline a transaction authorisation request on behalf of the card issuer. Depending on your Thredd mode, Thredd may also provide STIP on your behalf, where your systems are unavailable. system and Switch refers to the Visa Network.

Only a summary of the relevant values are given below. For more information, refer to the Visa documentation.

Position	Description	More Information
1	Response Source/Reason	See Position 1 – Response Source/Reason Code.
2	AVS result	See AVS_Results.
3	Reserved for future use	See Visa documentation
4	Reserved for future use	See Visa documentation
5	CVV/iCVV/dCVV result	Values: Space = CVV, iCVV or dCVV was not verified 0 = CVV, iCVV or dCVV could not be verified 1 = CVV, iCVV, dCVV, or Online CAM failed verification, or Offline PIN authentication was interrupted 2 = CVV, iCVV, dCVV, or Online CAM passed verification. 3 = Transaction passed CVV, Emergency Replacement Card (ERC) service value only, which is used exclusively by the Global Customer Assistance Service (GCAS).
6 - 7	PACM diversion level	See Visa documentation
8	PACM diversion reason	See Visa documentation
9	Card Authentication Results	Values: Space = no information 1 = EMV ARQC checked and failed verification 2 = EMV ARQC checked and passed verification
10	Reserved for future use	See Visa documentation
11	CVV2 Result	See Position 11 – CVV2 Result Code
12-13	Original Response code	See Visa documentation
14	Cheque settlement code (USA only)	See Visa documentation
15	CAVV result	See Position 15 – CAVV Result Code
16 - 19	Response Reason Code	See Visa documentation. (Not applicable to Thredd)
20 - 23	Last 4 digits of PAN for receipt	Holds the last four digits of the cardholder PAN, for some payment-token transactions.
24	CVM requirement for PIN-less	Values: Space = no information 0 = No CVM required 1 = Signature prompt required
25 and up	Unknown	See Visa documentation

4.40.2 Position 1 – Response Source/Reason Code

This position explains who responded to the acquirer and why. Thredd already map this into the Response_Source and Response_Source_Why fields.

In the table below, Issuer indicates Thredd, and STIP indicates the Visa Stand-In Processing The card network (Visa and Mastercard) may perform approve or decline a transaction authorisation request on behalf of the card issuer. Depending on your Thredd mode, Thredd may also provide STIP on your behalf, where your systems are unavailable. sytem.

Value	Description
space	No information
0	Advice of Exception file change initiated by Global Customer Assistance Service (GCAS) or Automatic Cardholder Database Update (Auto-CDB) Service
1	Response provided by STIP because the request was timed out by Switch (ATR) or the response contained invalid data
2	Response provided by STIP because the transaction amount was below issuer limit (PCAS processing), or transaction amount is below sliding dollar limit (PACM processing), or in response to a verification request
4	Response provided by STIP because issuer was not available for processing
5	Response provided by issuer
7	Reversal message matched to the original authorization request message
8	No matching original authorization request message found. V.I.P. attempts to match reversals with originals when possible; however, 8 does not guarantee that an original was not received
A	Automated Fuel Dispenser Advice
B	Response provided by STIP: Transaction met Visa Transaction Advisor Service criteria
C	Response provided by STIP for conditions not listed. See the Thredd fields `Response_Source_Why` and `Visa_STIP_Reason_Code` for why (see section Visa_STIP_Reason_Code field)
Any other value	Unknown

4.40.3 Position 11 – CVV2 Result Code

Result of Visa’s CVV2 verification.

Value	Summary
space	No information
C	dCVV2 match
D	dCVV2 no match
K	dCVV2 match (with merchant participation)
L	dCVV2 no match (with merchant participation)
M	CVV2 match
N	CVV2 no match
P	CVV2 not processed
S	CVV2 should be on the card
U	Issuer [actual issuer, not Thredd] does not participate in CVV2 service or participates but has not provided Visa with encryption keys, or both
Any other value	Unknown

4.40.4 Position 15 – CAVV Result Code

Result of Visa’s CAVV (3D-secure) verification.

Value	CAVV result
space	No information
0	CAVV could not be verified or CAVV data was not provided when expected
1	CAVV failed verification—authentication.
2	CAVV passed verification—authentication.
3	CAVV passed verification—attempted authentication. A 3D Secure (3DS) authentication value of 07 from the Issuer Attempts Server indicates that authentication was attempted. Issuer attempts CAVV key was used to generate the CAVV.
4	CAVV failed verification—attempted authentication. A 3D Secure (3DS) authentication value of 07 from the Issuer Attempts Server indicates that authentication was attempted. Issuer attempts CAVV key was used to generate the CAVV.
5	RFU
6	CAVV not verified, issuer not participating in CAVV verification (except as noted, only Visa generates this code, issuers do not).
7	CAVV failed verification—attempted authentication. A 3D Secure (3DS) Authentication Results Code value of 07 from Visa Attempts Service indicates that an authentication attempt was performed. (Visa CAVV attempts key was used to generate the CAVV)
8	CAVV passed verification—attempted authentication A 3D Secure (3DS) Authentication Results Code value of 07 from Visa Attempts Service indicates that an authentication attempt was performed. (Visa CAVV attempts key was used to generate the CAVV)
9	CAVV failed verification—attempted authentication A 3D Secure (3DS) Authentication Results Code value of 08 from Visa Attempts Service indicates that an authentication attempt was performed when the Issuer Access Control Server (ACS) was not available. (Visa CAVV attempts key was used to generate the CAVV)
A	CAVV passed verification—attempted authentication A 3D Secure (3DS) Authentication Results Code value of 08 from Visa Attempts Service indicates that an authentication attempt was performed when the Issuer ACS was not available. Visa CAVV attempts key was used to generate the CAVV.
B	CAVV passed verification—attempted authentication, no liability shift. Only Visa generates this code, issuers do not.
C	CAVV was not verified—attempted authentication. If 3D Secure (3DS) Authentication Results Code value is 07 in the CAVV and the issuer did not return a CAVV results code in the authentication response, or, if, Field 44.13 = 0 in the response message and the CAVV encryption keys do not exist in V.I.P., V.I.P.. sets the value to C in Field 44.13. Only Visa generates this code, issuers do not.
D	CAVV was not verified—cardholder authentication. If 3D Secure (3DS) Authentication Results code value is 00 in the CAVV and the issuer did not return a CAVV results code in the authorization response, or, if, Field 44.13 = 0 in the response message and the CAVV encryption keys do not exist in V.I.P., V.I.P. sets the value to D in Field 44.13. Only Visa generates this code, issuers do not.
Any other value	Unknown